I feel everytime I decide to get a model, I might miss out on something crucial unless I get the maxed out MacBook Pro. "Why not spend $100 bucks more to get the M3 Pro instead, and then something inside me says ‘in for a penny, in for a pound’, why not get the M3 Max. What is this? Why am I not satisfied with what I am getting?

This is what most of my routine looks like:
Lots of Safari usage. Work email and Facetime. Keynote. Reading News. Online Banking and Shopping. Social Media(Instagram only). Streaming Spotify music. Photo Editing for Instagram using Creative Cloud.

Was thinking of M3 Pro with 36 GB of RAM hoping to future proof. Am I overestimating or have I fallen into the abyss of materialism?

P.S: Kindly do not recommend Windows machines. Thanks.